Orders reversed, with twenty dollars costs and disbursements, and plaintiffs’ motion for summary judgment denied, and defendant’s cross-motion for summary judgment granted, on the authority of Moskowitz v. Equitable Life Assurance Society of the United States (252 App. Div. 75). Present —O’Malley, Glennon, Dore, Cohn and Callahan, JJ.; Glennon, J., dissents on the authority of Schoenholz v. N. Y. Life Insurance Co. (234 N. Y. 24, and cases therein cited.) Settle order on notice.